Calvert County property record for 9865 Howes Rd, Dunkirk, MD 20754 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 3.5 Baths |
| Year Built | Built 1990 |
| Square Footage | 3,294 sqft Total Area |
| Lot Size | 43,560 sqft (1 acres) |
| Garage | Attached, 480 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $447,000 (2019) |
| Tax Bill | $6,054.00 (2025) |
| Primary APN | 03-120988 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 3,294 sqft Total Area |
| Stories | 2 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,560 sqft (1 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 480 sqft Garage |
| Deck Area | 552 sqft Deck |
| Porch Area | 120 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Sewage | Sewage Connected |
| Account Number | 120988 |
|---|---|
| Street Address | 9865 HOWES RD |
| City | DUNKIRK |
| State | MD |
| Zip | 20754-9241 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LT 35 PLAT 1 SMITHVILLE |
| Legal Subdivision | PLAT ONE SMITHVILLE |
| Legal Lot Number | 35 |
| Jurisdiction | CALVERT MD |
| Minor Civil Division | 3, SUNDERLAND |
| Census Blockgroup | 3 |
| Census Block | 3013 |
| Census Tract | 860103 |
Source: Calvert County records · APN 03-120988
Assessment roll updated July 29, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 09, 2024 | Deed of Trust, Mortgage · Stand Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 20, 2019 | Deed, Transfer · Conventional Mortgage C & F MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on Record |
| Deed Sale | Sep 20, 2019 · Amount on Record |
| Prior Sale | Sep 30, 2003 · Amount on Record |
| Deed Book / Page | 5438 / 451 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0065650295 |
|---|---|
| Date | May 09, 2024 |
| Book Page | 6565/295 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 01, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CALVERT MD |
| Property Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Document Number | 0060790132 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 6079/132 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CALVERT MD |
| Recording Date | Sep 20, 2019 |
| Property Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Document Number | 0054380451 |
| Book / Page | 5438 / 451 |
| Map Reference | MB ABE 2 PG 203 |
| Instrument Date | Aug 28, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | LAKESIDE TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,235.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 9865 HOWES RD, DUNKIRK, MD 20754-9241 |
| Document Number | 5438458 |
|---|---|
| Date | Sep 20, 2019 |
| Instrument | 5438/458 |
| Name | C & F MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2049 |
Source: Calvert County records · Assessment roll updated July 29, 2025 · Last verified May 2026
| Type | Name |
|---|---|
| State | Maryland |
| County | Calvert County |
| Unified School District | Calvert County Public Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,054.00 (+19.64%) | $540,500 (+10.96%) Land $170,000 Building $370,500 | $540,500 (-) Land $170,000 Building $370,500 |
| 2023 | $5,060.00 | $487,100 | $540,500 Land $170,000 Building $370,500 |
Source: FEMA National Flood Hazard Layer, Calvert County (24009C), updated April 18, 2021 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 41% of Maryland |
|---|---|
| Wildfire Likelihood | About 1 in 4,167 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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